Best Car Insurance Companies in Illinois 2022 | Quotes, Discounts

Looking for the best Illinois car insurance company or the best cheap car insurance you can find? This article is for you. We give a full account of the best car insurance coverage in the state, plus a rundown of affordability company by company.

Whether you’re looking for a full-coverage policy or minimum liability, affordable car insurance from a top-rated company is just a few minutes away. Let’s get to it!

Ready for cheap car insurance now? Use Insurify to uncover real free car insurance quotes confidentially. Adjust coverage options and only buy when the price is right. It’s fast, easy, and free to use! Not ready to commit to a quote? Check out our car insurance estimator to get an estimate on what you should expect to pay. Let the experts help you choose the right insurance company today!

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Best Car Insurance Companies 2022

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Top Car Insurance Companies: Find the Right One for You

Below is a list of the seven best car insurance providers in Illinois determined through our research. Each company offers a unique set of advantages and disadvantages. Evaluate each based on your needs to ensure you’re getting the best company for you. It’s important to ask yourself, “how much car insurance do I need” before you start your search, but Insurify can help you select your desired coverage options. Find out the average car insurance cost for top companies here.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1

Clearcover

Newcomer Clearcover puts technology first. If you’re all about ease of use, you’ll enjoy a convenient mobile app where you can conduct nearly all of your insurance tasks, including submitting claims and monitoring payouts.

However, you won’t find any other insurance products, as Clearcover (for now) only offers auto insurance policies. So no bundling discounts. Few discounts are available with the company. Even so, rates are on the lower end for Illinois drivers.

Top discounts from Clearcover include:

• Active military

• Paying in full

• Electronic documents

• Vehicle safety features

• Safe driving

Here are the average quotes Clearcover offers by driver profile:

2

Nationwide

Nationwide is an unusual insurance company - it boasts high customer satisfaction ratings and has seen a low rate of complaints. The company claims to be “on your side” and has certainly lived up to that claim. In addition to a full suite of insurance products, the company also offers financial services.

Unfortunately, Nationwide doesn’t offer the lowest rates in the Prairie State. But, for the value of enjoying your relationship with your insurance company, the additional cost could be worth it. And don’t forget that discount programs, especially bundling, can significantly lower your rate.

Top discounts from Nationwide include:

• Safe driver

• Defensive driving course

• Accident-free

• SmartMiles (low mileage)

• SmartRide

• Multi-policy

• Easy pay

• Paperless

• Good student

• Anti-theft

Here are the average quotes Nationwide offers by driver profile:

3

Safeco

Safeco is a medium-sized insurer that’s part of the Liberty Mutual family. With this company, you’ll get the benefits of a smaller company alongside the advantages of a larger one. You’ll also find many insurance products, a convenient mobile app, and several ways to contact customer service.

Safeco also has fewer complaints than the national average. But policyholders also report lower satisfaction levels than customers of other similarly sized insurers.

Top discounts from Safeco include:

• Multi-car

• Multi-policy

• Theft-deterrent

• Pay in full

• RightTrack

• Low mileage

• Safe driver

• Preventive driving course

• Safety features

• Good student

• Distant student

• Homeowner

Here are the average quotes Safeco offers by driver profile:

4

Liberty Mutual

Here’s a large company offering a ton of insurance products (hello, bundling discounts!). If you’re looking for one-stop insurance shopping, Liberty Mutual may be the insurer for you. Plus, the company provides many advantages for good drivers.

But you should be aware of some of the drawbacks with this company. Customer satisfaction is low, something the company has been working to address. Rates of customer complaints are also higher than the national average.

Top discounts from Liberty Mutual include:

• Multi-policy

• Multi-car

• Early shopper

• Good student

• Student away at school

• Preferred payment

• Pay in full

• Online purchase

• Paperless

• Anti-theft

• Advanced safety features

• Homeowner

• Military

• Alternative energy

• Accident-free

• Violation-free

• RightTrack

Here are the average quotes Liberty Mutual offers by driver profile:

5

Travelers

Travelers is another large insurer, and it’s been around for 168 years as of this writing. In addition to proven stability, the company offers great technology and an extensive menu of insurance products. Plus, Travelers offers low rates compared to the state average for young drivers and drivers with a clean record.

But, while the company has relatively few customer complaints, customers aren’t exactly raving. Travelers customers report lower satisfaction than the national average.

Top discounts from Travelers include:

• Safe driver

• IntelliDrive® program

• Driver training

• Hybrid/electric car

• New car

• Early quote

• EFT, pay in full, good payer

• Multi-policy

• Multi-car

• Continuous insurance

• Good student

• Student away at school

• Affinity membership

• Homeownership

Here are the average quotes Travelers offers by driver profile:

6

State Auto

Let’s get the bad news out of the way first: State Auto doesn’t have the most remarkable track record with customers. That includes lower customer satisfaction ratings than average and a higher rate of customer complaints.

However, State Auto offers many perks and advantages that you may want to consider, including managing the claims process online. You’ll also have many bundling opportunities and access to other discount programs to lower your rate even further.

Top discounts from State Auto include:

• Multi-policy

• Multi-car

• Safety 360®

• Driver training

• Accident prevention course

• Good student

• Start Up (early enrollment)

• Paid in full

• Anti-theft

Here are the average quotes State Auto offers by driver profile:

7

National General

It’s true, National General doesn’t have a mobile app, and customer complaints are higher than the national average. But, if you have a spotty driving record, it may be the right company for you. Affordable rates are possible, even for drivers with a history of:

• DUI

• At-fault accident

• Canceled policy

• Non-continuous coverage

• Speeding tickets

• Poor credit

People with clean driving records can also get great discounts with National General. It even offers one of the lowest average premiums to drivers with good credit and no violations on their record.

Top discounts from National General include:

• Multi-vehicle

• Multi-policy

• Low mileage

• Safe driver

• Paperless

• Auto-pay

• Paid in full

• Anti-theft

• Affinity membership

Here are the average quotes National General offers by driver profile:

Average Monthly Cost of Car Insurance in Illinois

Car insurance costs vary greatly depending on where you live. For example, Chicagoans should expect to pay more than folks down in Centralia. That’s because insurers account for location-specific factors that affect your risk, including claim rates, crime rates, and climate.

Below are the average rates for car insurance premiums in some of the largest cities in Illinois.

But location isn’t everything. In addition to location, your auto insurance rate is affected by:

• Whether you add collision coverage or comprehensive coverage

• Coverage limits on your liability insurance

• Your credit score

• Driving history

• Driver discounts and deductibles

See More: Compare Car Insurance

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How to Determine the Best Car Insurance Company for Yourself

Finding the best car insurance company means starting with your needs and preferences, such as:

• The types of coverage you need

• The coverage limits you need

• Your budget and qualifying discounts

• Your company preferences

When you know your needs and preferences, it’s easy to find the best fit from the plethora of auto insurance companies available to you. You can compare car insurance quotes on Insurify.

See More: Car Insurance for Bad Driving Records

As a final note, there are many great insurers who did not make our list but deserve your consideration. These companies include:

• GEICO

• Progressive

• State Farm

• Allstate

• Erie Insurance

• USAA

• American Family

• Country Financial

Frequently Asked Questions